Main Responsibilities:

1. Marketing new business and managing existing business to enable the bank to realize revenue targets which are prescribed without compromising on credit risk appetite.
2. Grow and monitor the SME banking asset and liability portfolio with ultimate aim of ensuring that it remains profitable and of quality. Particularly responsible for growing the SME Tier 1 portfolio as per the bank SME strategy and in the region assigned.
3. Maintain excellent relationship with existing and prospects SME clients to sustain business growth and increase wallet share and customer profitability.
4. Initiate credit facilities through in-depth quality preliminary analysis. Process credit applications within stipulate TAT to ensure delightful customer experience. 
5. Resolve retail business customer inquire to improve customer satisfaction. 
6. Prepare weekly sales report, Monthly portfolio report including credit reviews, monthly pipelines.
7. Monitoring loan facility, detect and restore to performing, all debts falling into arrears to performing debts with aim to insure minimum portfolio at risk. Properly handover to recovery units all loans downgraded to the grade 3.
8. Promote alternative channels through raising the usage of internet banking, Mobile banking, and cards by business customers. Acquire, train, and ensure retention of merchants & Agents through effective relationship management. 
9. Managing strategic partnerships is important for SME Banking Growth. 
10. Maintain and grow the Biashara Club proposition through onboarding of new members and retention of existing members

Daily Responsibilities. 

1. To prepare daily, weekly, and monthly SME performance report 
2. To meet, identify and evaluate customers' or prospects' financial needs to mobilize new accounts, deposits and quality loans.
3. To monitor the utilization of drawn facilities and prevent migration to NPL and overdrawn accounts.
4. Capture SME business credit applications in Credit Quest.
5. Mobilize deposits
6. Make customers’ business (prospects, existing, agents, merchants and partners) call visits.
7. Biashara Club Management 

Educational qualifications and work experience:

1. Bachelor’s degree in any business-related field
2. Minimum Five (5) Year’ experience in banking operations Sales, Credit appraisal and lending, Relationship Management